Sikha Ghosh
Bangalore
Summary
Experienced Banking and Finance Professional with 7+ years specializing in fraud investigations and AML compliance. Proven ability to enhance risk management and ensure regulatory compliance, achieving cost savings for major financial institutions. Proficient in transaction monitoring and process optimization, with a strong focus on analytical problem-solving and leadership.
Overview
8
8
years of professional experience
Work History
Business Process Lead
Tata Consultancy Services (TCS) Ltd.
01.2024 - 10.2025
- Conduct end-to-end customer due diligence (CDD) for entities ranging from sole proprietors to complex corporations, ensuring compliance with AML/KYC regulations.
- Perform periodic reviews of low, medium, and high-risk client profiles, identifying ultimate beneficial owners (UBOs), and mitigating risks.
- Conduct transaction monitoring reviews for retail and corporate clients, applying both rule-based and behavior-based monitoring scenarios to detect unusual financial activity.
- Analyze transaction patterns to detect suspicious activity, and file regulatory reports (SARs/UARs).
- Utilize AML tools and systems to review alerts, disposition cases, and ensure timely escalation of high-risk events.
- Participate in threshold tuning and alert optimization exercises, enhancing monitoring accuracy, and reducing false positives.
- Support regulatory and audit reviews, maintaining detailed documentation for AML investigations, and periodic compliance checks.
- Train and mentor new analysts on transaction monitoring procedures, red flag identification, and case documentation standards.
Investigations Specialist
JP Morgan Chase & Co.
11.2021 - 04.2023
- Investigated money laundering (AML), terrorist financing, and fraud cases, ensuring adherence to global compliance standards.
- Enhanced financial crime operating models by optimizing workflows and reducing false-positive alerts by 15%.
- Reviewed sanction screening alerts (World Check/LexisNexis), and escalated PEPs/Negative Media cases.
- Conducted in-depth transaction monitoring and prepared Suspicious Activity Reports (SARs/STRs) in compliance with regulatory requirements.
- Performed Enhanced Due Diligence (EDD) on high-risk clients, assessing the source of funds/wealth, and exposure to financial crime risk.
- Collaborated with cross-functional teams to strengthen AML/KYC frameworks, supporting audits and regulatory inspections with zero major findings.
Sr. Representative (Operations)
Concentrix Daksh Services India Pvt. Ltd.
06.2019 - 11.2021
- Monitored PEPs and sanction lists, blocking high-risk accounts and reducing compliance breaches.
- Trained teams on phishing/spam trends and regulatory updates (FATCA, AML).
- Prepared and filed Suspicious Activity Reports (SARs/STRs) for medium-risk transactions in line with regulatory obligations.
- Conducted periodic KYC refreshes for medium-risk clients, identifying gaps, and recommending updates to mitigate exposure.
- Collaborated with Compliance and Audit teams to review medium-risk cases, ensuring proper documentation and timely resolution.
Transactional Associate
Accenture Private Ltd.
01.2018 - 05.2019
- Streamlined accounts payable processes for Deutsche Bank, improving productivity by 30%.
- Managed client relationships and cross-functional projects using SAP, Ariba, and DFM tools.
- Received invoices and processing for UK & US Team, with using four
applications: DFM (Document Flow Management), Ariba Buyer Network,Ariba Spent Management, SAP. - Maintaining relationships with clients by providing support, information, and
guidance; researching and recommending new opportunities;
recommending profit and service improvements.
Education
BBA - Finance
Reva University
Bengaluru01.2017
Intermediate - Commerce
GGCET St. Xavier's School
DhanbadSkills
- Fraud investigations and detection
- Anti-money laundering and compliance
- Risk management strategies
- Client due diligence
- KYC and AML/CTF processes
- Transaction monitoring and reporting
- Regulatory compliance (FACTA, PEPs, sanctions)
- Process improvement initiatives
- Cost optimization techniques
- Stakeholder management
TECHNICAL SKILLS
- Tools: World Check, LexisNexis, SAP, Ariba, MS Office (Excel, Word)
- Methodologies: AML/CTF, CDD/EDD, Fraud Detection, Batch Processing
Languages
- English (Fluent)
- Hindi (Fluent)
- Bengali (Native)
Timeline
Business Process Lead
Tata Consultancy Services (TCS) Ltd.
01.2024 - 10.2025
Investigations Specialist
JP Morgan Chase & Co.
11.2021 - 04.2023
Sr. Representative (Operations)
Concentrix Daksh Services India Pvt. Ltd.
06.2019 - 11.2021
Transactional Associate
Accenture Private Ltd.
01.2018 - 05.2019
BBA - Finance
Reva University
Intermediate - Commerce
GGCET St. Xavier's School
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